In Q4 2025, 50 institutions reported increases in other real estate owned (OREO). FIRSTIER BANK in NE led the group with OREO rising 2.4%, followed by COWBOY STATE BANK in WY and DRAKE BANK in MN, each up 1.8%.

OREO Accumulators

Sorted by QoQ Δ OREO/Assets ↓

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Rank	Institution	Source	State	QoQ Δ OREO/Assets
1	FIRSTIER BANK	BANK	NE	+2.4
2	COWBOY STATE BANK	BANK	WY	+1.8
3	DRAKE BANK	BANK	MN	+1.8
4	BANK OF FARMINGTON	BANK	IL	+1.5
5	INTRACOASTAL BANK	BANK	FL	+1.3
6	LAKE COUNTRY COMMUNITY BANK	BANK	MN	+1.3
7	STATE BANK OF CHERRY	BANK	IL	+1.3
8	UNITED TEXAS BANK	BANK	TX	+1.2
9	NORTH VALLEY BANK	BANK	CO	+1.2
10	NORTHWESTERN BANK NA	BANK	MN	+1.1
40 more institutions match this list. Unlock metric values for every row and column sort with Foundation. Unlock with Foundation

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Rank	Institution	Source	State	QoQ Δ OREO/Assets	Trend
11	BANK OF ERATH	BANK	LA	████	████
12	MARION STATE BANK	BANK	LA	████	████
13	FIRST NB OF FORT STOCKTON	BANK	TX	████	████
14	ANCHOR STATE BANK	BANK	IL	████	████
15	UNITED REPUBLIC BANK	BANK	NE	████	████
16	GATEWAY BANK	BANK	AR	████	████
17	FIRST STB OF SWANVILLE	BANK	MN	████	████
18	FIRST COMMUNITY BANK&TRUST	BANK	IL	████	████
19	CB&S BANK INC	BANK	AL	████	████
20	TRADITIONS BANK	BANK	AL	████	████
21	TRUBANK	BANK	IA	████	████
22	PEOPLES BANK	BANK	TN	████	████
23	PORT RICHMOND SAVINGS	BANK	PA	████	████
24	BELGRADE STATE BANK	BANK	MO	████	████
25	FIRST COMMUNITY BANK	BANK	AR	████	████
26	FIRST GUARANTY BANK	BANK	LA	████	████
27	CENTURY BANK OF THE OZARKS	BANK	MO	████	████
28	AMERICAN EXC BK LINDSAY OK	BANK	OK	████	████
29	LOYAL TRUST BANK	BANK	GA	████	████
30	BANK OF DICKSON	BANK	TN	████	████
31	EXCHANGE BANK OF MISSOURI	BANK	MO	████	████
32	SANIBEL CAPTIVA CMTY BANK	BANK	FL	████	████
33	PLANTERS BANK INC	BANK	KY	████	████
34	MIDAMERICA NATIONAL BANK	BANK	IL	████	████
35	FIRST NB OF SONORA	BANK	TX	████	████
36	ENTERPRISE BANK&TRUST	BANK	MO	████	████
37	PEOPLES BANK OF DEER LODGE	BANK	MT	████	████
38	FIRST STATE BANK	BANK	TX	████	████
39	KARNES CNTY NB OF KARNES CTY	BANK	TX	████	████
40	FIRST NATIONAL BANK	BANK	LA	████	████
41	PIONEER TRUST BANK NA	BANK	OR	████	████
42	IOWA STATE BANK	BANK	IA	████	████
43	WEST MICHIGAN COMMUNITY BANK	BANK	MI	████	████
44	MAYNARD SAVINGS BANK	BANK	IA	████	████
45	VISTA BANK	BANK	TX	████	████
46	BOM BANK	BANK	LA	████	████
47	AMERICAN BANK&TRUST CO	BANK	OK	████	████
48	BANK OF COUSHATTA	BANK	LA	████	████
49	REGENT BANK	BANK	OK	████	████
50	POTTER STATE BANK OF POTTER	BANK	NE	████	████

Methodology

Other Real Estate Owned (OREO) is property an institution has taken onto its balance sheet through foreclosure or deed-in-lieu, held pending sale. A rising OREO balance is a back-of-cycle stress signal — workouts that have completed the foreclosure pipeline and converted into property the institution must now dispose of. This card ranks institutions across both banks and credit unions by the quarter-over-quarter change in the OREO-to-total-assets ratio (oreo_qoq_delta_pct), surfacing the top 50 with a delta that meets or exceeds 0.001 (a 0.1 percentage-point QoQ increase in the OREO share of total assets). For banks (FDIC-insured): OREO — FFIEC Call Report Schedule RC-M item 3f (RCON2150 — RC-M items are RCON-only); total assets denominator — Schedule RC (RCFD2170 / RCON2170). For credit unions: foreclosed real estate (CU OREO equivalent) — NCUA ACCT_798; total assets denominator — NCUA ACCT_010. Cross-type comparability: bank OREO and CU foreclosed real estate (ACCT_798) are broadly analogous — both capture post-foreclosure real-estate inventory — but bank Schedule RC-M item 3f additionally bundles ex-bank-premises and other repossessed real estate that CU reporting tracks in separate accounts. Treat per-quarter QoQ deltas as comparable; cross-sectional totals remain LCD approximations. Methodology updated 2026-03-31: bank OREO balances now source directly from FFIEC Call Report Schedule RC-M item 3f (RCON2150). Prior quarters used the FDIC BankFind Suite financials endpoint ORE field family. The two should agree within tolerance; this update reflects the source-of-truth change, not a value-change in the underlying filing. Read the methodology update note at /blog/npl-explorer-fdic-cdr-direct-sourcing.

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